SIP / Lumpsum Return Calculator
A SIP (Systematic Investment Plan) / Lumpsum Return Calculator estimates the future value of investments made either through regular periodic contributions or a one-time investment, based on an assumed rate of return. More info →
Input
Select SIP or Lumpsum and enter investment details.
How This Calculator Works
This calculator projects how much your investments could grow to. You can invest a fixed amount every month (SIP), every year, or all at once (lumpsum). Returns are reinvested, so you earn returns on your returns as well.
The Formulas
Monthly SIP: FV = P × [(1 + i)n − 1] ÷ i × (1 + i)
Lumpsum: FV = P × (1 + r)t
Lumpsum: FV = P × (1 + r)t
i = annual return ÷ 12 · n = years × 12 · r = annual return · t = years ·
Yearly SIP uses the SIP formula with r and t
What Each Input Does
- Investment Type
-
Monthly SIP – a fixed amount at the start of every month.
Yearly – a fixed amount at the start of every year.
Lumpsum – one investment made today. - Investment Amount
- The monthly, yearly or one-time amount, depending on the type.
- Expected Return (% p.a.)
- The yearly return you expect. For monthly SIP it is split into a monthly rate.
- Duration (Years)
- How long you stay invested. For monthly SIP it is rounded to the nearest whole month.
Step by Step
- Each contribution is grown at the expected return until the end of the period.
- Contributions are made at the start of each period, so each one earns a full period of return.
- The grown values are added up to give the maturity value.
- Total returns = maturity value − total amount invested.
Reading the Result
Maturity value – what your money may grow to. Returns are not guaranteed.
Total returns – the growth on top of what you put in.
Quick Example
At 12% for 10 years:
a monthly SIP of 10,000 (1,200,000 invested) grows to 2,323,391;
a yearly investment of 120,000 (1,200,000 invested) grows to 2,358,550;
a lumpsum of 100,000 grows to 310,585.
Artoval Financial Labs